Three minutes is the design constraint here: Gnosis Pay’s docs put every non-card tx behind a Delay Module so Visa settlement can win the race, and that same queue became the attack surface. Monerium already had to clarify EURe was not the issue, which matters because stablecoin cards live or die on whether users can separate issuer risk from wallet-module risk in a panic. Full reimbursement keeps the consumer product alive; the harder post-mortem is proving the Safe/Zodiac module stack can’t turn per-user self-custody into one shared ops-layer failure.

Top comment by @Benthic